RBI Data Localization
Professional compliance audits to satisfy RBI's strict directives on storing payment system data inside India. Verify backup locations, databases, and logs.
RBI Payment Data Mandates
In April 2018, the **Reserve Bank of India (RBI)** issued a directive requiring all payment system providers to ensure that the entire data relating to payment systems operated by them is stored in a system **only in India**. This covers transactional data, credentials, and customer personal details.
Our comprehensive RBI Data Localization Audit inspects database hosts, replication scripts, mirrored backups, log servers, and administrative dashboards. We verify cross-border transaction data flow compliance, ensuring any transaction details sent abroad are purged from foreign servers within 24 hours.
Why RBI Localization Audits?
Avoid Severe Regulatory Restrictions
Ensure your payment processing systems avoid operational bans or suspension penalties imposed by the RBI.
Validate Indian Data Residency
Verify that transactional files, application logs, and database tables sit exclusively on Indian-based hosts.
Review Cross-Border Transaction purges
Audit data pipelines connecting overseas nodes, confirming card details are purged outside India in 24 hours.
Filing System Audit Reports (SAR)
Receive the formal System Audit Report (SAR) signed by empanelled auditing experts for submission.
Audit Lifecycle
A structured, end-to-end framework to assess compliance against RBI Storage of Payment System Data guidelines.
Data Flow & API Mapping
Mapping entire payment network routes, log locations, transaction databases, and cross-border data flows.
Server & Region Audit
Verifying physical cloud hosting regions (e.g. AWS, Azure, Google Cloud) and ensuring backup mirrors sit in India.
Replication & Retention Test
Evaluating cross-border processing workflows, ensuring foreign database mirrors purge payment details within 24 hours.
SAR Sign-off & Submission
Preparing audit findings, verifying gap fixes, and executing the empanelled audit report for RBI submission.
Ensure Complete
RBI Localization Compliance
Secure your payment databases and fulfill localization directives. Schedule independent audits with our CERT-In empanelled auditing experts.